A budget app for couples: two logins, one set of numbers
Put both of your incomes, bills, accounts and goals in one household. Your partner or spouse gets their own login, you choose what they can change, and sharing costs nothing extra.
Family sharing is on the Free plan. No card, and no bank login for either of you.
Permissions
Share the household without sharing a password.
The owner picks what a partner can do: see and edit everything, see everything without changing it, or a custom set.
How family permissions workManage Permissions
Full access — account owners can always see and manage everything.
- Full partner (selected)Sees and edits everything in the household — income, bills, assets, debts, goals, and retirement.
- View onlySees the whole household but can’t make any changes.
- CustomChoose exactly what they can see and change, feature by feature.
How the shared budget works
Setting up a shared budget app for two takes one invite.
- Step 1
One of you starts the household
The person who signs up is the owner. They add their partner or spouse and send an email invite.
- Step 2
Your partner gets their own login
No shared password. Your partner accepts the invite and signs in with their own account, on their own phone or computer.
- Step 3
You choose what they can do
Full partner, view only, or a custom set — feature by feature. The owner can change it any time.
- Step 4
You both see the same numbers
Income, bills, accounts, debts and goals live in one household, so the conversation starts from one set of figures.
Plan together from the same page
Married, engaged or just moved in together — the tools are the same.
Whose is whose
Mark who earns each income and whose bill each one is, or leave it as household. Accounts and debts can be owned jointly.
Shared goals
A wedding fund, a house down payment, an emergency fund — with progress and whether you are on track. Goals are free.
What is left each month
Money Left Over shows what is left after all bills and taxes, in one neutral place you can both check.
Try a big decision first
The What-if planner has Buy a House and Buy a Vehicle bundles that add the loan and the payment, then show how your monthly picture changes.
A family budget app, too
A household has one owner, can have one spouse, and can have as many children as you add.
- Teens 13 and older can have their own login, which a parent manages. They see only the items that are theirs — not the rest of the household.
- Younger children can be added as records a parent keeps, for example to track a savings account in their name. They do not get a login.
The honest limits
What sharing does not do yet, so you know before you start.
Access is per feature, not per item
You can limit what a partner sees by feature — bills, income, goals and so on. There is no way to mark one account or bill as private.
No splitting a bill between you
A bill belongs to one person or to the household. There is no 60/40 split of a single bill between partners.
You both keep it up to date
There is no bank connection, so nothing updates on its own. Either of you can update a balance when it changes, if your access allows it.
Frequently asked questions
- Is Beyond Payday a budget app for couples?
- Yes. One household holds both of your incomes, bills, accounts, debts and goals. Each of you signs in with your own login and sees the same numbers, and the owner decides what the other person can change.
- Does each of us get our own login?
- Yes. The owner adds a partner or spouse and sends an email invite. The invite link lasts seven days and can be resent. Your partner signs in with their own account — no shared password.
- Is sharing free?
- Yes. Adding family members and setting their access is on the Free plan. If you upgrade to Pro for retirement planning, business tracking or the AI assistant, one subscription covers the whole household.
- Do we have to be married?
- No. The app labels the partner role “Spouse”, but it never asks whether you are married, and it works the same for any couple. Each household can have one owner and one spouse.
- Can I keep some things private from my partner?
- Partly. The owner can give a partner full access, view-only access, or a custom set of features. Access is set per feature, not per item, so you cannot hide a single account while sharing the rest.
- Can we use it as a family budget app?
- Yes. Teens 13 and older can have their own login, which a parent manages; they see only the items that are theirs. Younger children can be added as records a parent keeps, without a login.
- What if we want to leave?
- The owner or spouse can export everything as a .zip with a full JSON file and a CSV for each category. Export is free on every plan.
More detail: inviting your spouse or family, setting family permissions, and exporting your data.
Talking about money as a couple? Read our couples & money guides.
One household, two logins, free
Start on the Free plan, then invite your partner. No card and no bank login for either of you.